WE BUILT THIS CREDIT CARD MODULE BECAUSE OWNERS USE PERSONAL CARDS FOR BUSINESS SPEND

CAPTURE THE BUSINESS PART WITHOUT CORRUPTING THE COMPANY BOOKS

Many small-business owners pay for real business expenses using their own personal credit cards. That creates a practical problem: they still need to capture those business costs, but they cannot just dump the whole card statement into the company books. Personal spending is mixed inside the same statement. So Yi.zy takes the safer route: every card line starts as Personal, and the owner switches only the true business charges into the books.

SEE THE REVIEW SCREEN SEE THE EDIT FLOW

WHY DEFAULT TO PERSONAL Because the source statement is usually the owner's personal card. Defaulting to Personal prevents non-business spend from leaking into the company books.

WHY MAKE THE OWNER REVIEW The owner knows which charges were genuinely for the business. This module makes that review fast, so the business-related expenses are captured without importing the whole personal lifestyle.

WHY THIS MATTERS LATER Clean capture here means better P&L, cleaner owner-account treatment, and less year-end cleanup when the accountant has to explain what was really business.

WHAT THE OWNER SEES AFTER UPLOAD

Pending review, split first, save later

Once the statement CSV is uploaded, Yi.zy stages every card line in Pending Review. The owner then scans the batch, isolates the business items, leaves true personal spend alone, and only saves when the split looks right.

STEP 4 - CREDIT CARD

Credit Card Expenses

This screen exists because business owners often use their own cards to pay for company costs. The owner reviews the statement, marks the true business spend, and keeps the personal charges out of the company books.

Upload CC Statement

Choose the exact card account, then upload the statement CSV. The upload itself is easy. The important work starts after that.

CSV ALREADY UPLOADED UOB One Card 5531
Rows are waiting in Pending Review.

Yi.zy analyses merchant, description, and likely category, then waits for owner judgement.

Upload -> AI analysis -> owner splits Business vs Personal -> Save to Books.
Reports should only read the saved outcome, not the raw statement import.

Summary

The owner gets a fast visual split between the business expenses that should be captured and the personal card spending that should stay out.

BUSINESS

SGD 544.40

2 row(s) currently flowing to the P&L.

PERSONAL

SGD 84.35

1 row(s) kept out of business expenses.

This split is the reason the module exists. One personal credit-card statement can contain both company expenses and private spending.

Pending Review (3)

Default: Personal Save to Books

All (3)

Business (2)

Personal (1)

Date	Merchant	Split / Category	Amount	Action
29 Mar 2026	Meta Ads META*ADS 593829104	Business Advertising & Promotion Real marketing spend. Safe to keep in P&L.	-426.00	Edit Accept
28 Mar 2026	Sheng Siong GROCERIES + HOME SUPPLIES	Personal Leave as Personal Do not push household spend into business expenses.	-84.35	Edit Accept
27 Mar 2026	Canon Singapore INK + PRINTING SUPPLIES	Business Printing & Stationery Business expense, but category still needs owner review.	-118.40	Edit Accept

WHAT THE EDIT FORM LOOKS LIKE

The owner only needs a few fields, but the judgement matters

The credit-card modal is intentionally short. The real job here is simple: identify which personal-card charges were actually paid on behalf of the business. After that, the owner only confirms category, description, and optional document support.

EDIT MODAL PREVIEW

Review CC Item

The live page opens this form when the owner clicks Edit on a card line. It is designed for fast correction, not accounting jargon overload.

Merchant / Payee

Clean up the supplier name so the saved books stay readable.

Business or Personal?

Business

This is the key judgement call. The module defaults to Personal for safety.

Description

Make the line understandable when you revisit it during audit or tax work.

Expense Category

Only matters for Business items. Pick the reporting bucket that fits the spend.

Document Link

https://drive.google.com/receipt-example

Attach a Drive or Dropbox URL if you want evidence linked to the transaction.

CONFIRM & SAVE

Once the owner confirms, the row is ready to be included in the final Save to Books batch.

1. DECIDE THE SPLIT FIRST

The first question is not category. It is whether the charge belongs to the business at all. If not, leave it as Personal.

2. CATEGORISE ONLY BUSINESS SPEND

Once a row is clearly business-related, assign the right expense bucket so reports stay useful month after month.

3. SAVE DELIBERATELY

Only after the owner is comfortable with the business-personal split should the batch move into the books and reports.

TRY IT FREE BACK TO MAIN PEEK

WHY THIS IS A SEPARATE MODULE

Bank transactions and credit-card transactions look similar, but the real-life behaviour behind them is different. Many owners use personal cards when paying for ads, software, travel, meals, and urgent supplies for the business. That is why Yi.zy gives credit-card review its own screen, its own summary, and a safer default.

The goal is not to make the owner do more work. The goal is to help them capture legitimate business expenses from a personal card without corrupting the company's books.